HUD Section 184 loan leads
Tribal members and families interested in a Section 184 home loan, delivered to approved lenders.
HUD Section 184 loan leads are for lenders approved to make Indian Home Loan Guarantee loans. The program is for eligible Native American and Alaska Native borrowers, and it can be used on tribal trust land and on land in many other places. We reach interested buyers and send each inquiry to one loan officer, with the details on the form that you need to see first.
- Tribal enrollment and property location captured
- Purchase, build or refinance noted
- Exclusive to you and never resold
Watch it in 43 seconds
A 43-second explainer from the Amplify Leads team: HUD Section 184 loan leads, for approved lenders.
What HUD Section 184 leads look like when they reach you
Who
Enrolled members of federally recognized tribes and Alaska Native borrowers interested in buying, building or refinancing a home.
What they have
Their tribe or village, where the home is or will be, and whether the land is trust land or fee simple.
What they want
A home loan guaranteed under the program, with a lender who understands tribal processes.
Only lenders approved to originate Section 184 loans should buy these leads. Check the program's current requirements through HUD.
Two ways to get them: a managed Facebook campaign under your name, or pay per lead. Related: FHA leads, VA leads, and first-time homebuyer leads. Or see mortgage leads by state.
Who uses the Section 184 loan, and where do they live?
The borrowers are enrolled tribal members and Alaska Native families, and their situations vary. Some live on or near reservation land and want to build or buy there. Others live in cities and towns across the country and want a home in the community they already know. Some are first-time buyers, some are refinancing, and some are repairing or rebuilding. Treat the program as one of several choices, not a category apart. Each borrower deserves a lender who knows the process and respects local tribal housing offices and their procedures.
What does a qualified Section 184 inquiry look like?
A good inquiry names a tribe or village, a property location and a goal. Where the property sits matters, because trust land and fee simple land involve different steps, and tribal approvals can add time. Credit and income still count, and so does the down payment. A weak inquiry is someone who is curious about the program but not eligible, or who has not yet found a property. Be honest about eligibility early. A courteous, accurate answer builds more goodwill than a rushed promise that the loan will work out.
What does the Section 184 form ask?
Questions are respectful and limited to what you need. We do not ask for enrollment numbers or documents on the form, because that belongs in the application you take yourself.
- Which tribe or Alaska Native village are you a member of?
- Where is the home you want to buy, build or refinance?
- Is the land trust land or privately owned?
- Are you buying, building or refinancing?
- Is this your first home?
- What is your approximate credit range?
How should ads and landing pages approach this audience?
With respect, accuracy and no stereotypes. Avoid stock imagery that misrepresents communities, and speak to homeownership options rather than assuming anyone's circumstances. Audiences are defined by interests and location within Meta's limits for housing and credit ads, and we do not target by ethnicity. Facebook is the main channel, and Google catches searches for the program by name. The landing page promises a conversation about whether the program may fit, not an approval or a rate. Reply the same business day, and be ready to talk with family members, who are often involved.
Which program and fair lending rules apply?
Only lenders approved for Section 184 should advertise or take these loans, and ads should describe the program as HUD publishes it, without implying that HUD endorses a lender. Fair lending law applies, and Meta's special ad category limits targeting for housing and credit ads. If an ad names a rate or payment, Regulation Z trigger terms can apply. Calls and texts need TCPA consent. Tribal laws and processes can apply to loans on tribal land, so confirm requirements and wording with your compliance contact before launching.
Before you reach out
Who can use the Section 184 program?
It is meant for borrowers who are members of a federally recognized tribe or Alaska Native borrowers, among other requirements. HUD publishes the current eligibility rules, so check them before taking an application.
Do I need to be an approved lender?
Yes. Section 184 loans are made by lenders approved for the program. If you are not approved yet, look into the approval process before you buy leads.
Do you ask for tribal enrollment documents?
No. The form asks which tribe or village the borrower belongs to. Proof of enrollment is something you collect when you take the application.
Find out what a campaign could look like where you lend
Half an hour with our team, at no charge. Come with your state, the programs you write and what has not worked so far. You leave with a sketch of what we would build, or an honest no.